554 Setting Sun Dr, Winter Garden, FL 34787 Property Records

Orange County property record for 554 Setting Sun Dr, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,479 sqft · built 2006
Lot Size	0.187 acres (8,126 sqft)
Owner	2 Individual Names on Record
Last Sale	$322,500 (Jun 2018)
Tax Bill	$3,741 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-22-27-0733-01-520`

Property Details

APN / Parcel Number

Primary APN	`34-22-27-0733-01-520`
Alternative APNs	`272234073301520` `128342` `129126` `130509`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,479 sqft Living Area
Gross Area	3,401 sqft
1st Floor Area	1,283 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,126 sqft (0.187 acres)
Garage Type	Attached
Garage Area	447 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	214 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	554 SETTING SUN DR
City	WINTER GARDEN
State	FL
Zip	34787-5933
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	BLACK LAKE PARK PHASE 1 59/4 LOT 152
Legal Range	27E
Legal Township	22S
Legal Section	34
Legal Subdivision	BLACK LAKE PARK PH 1
Legal Phase	1
Legal Tract	733
Legal Block	1
Legal Lot Number	152
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	3
Census Block	3010
Census Tract	17116

Owner

Source: Orange County records, as of May 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	554 SETTING SUN DR, WINTER GARDEN, FL 34787-5933
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK
Jun 4, 2018	Warranty Deed, Transfer · Conventional Mortgage FIDELITY FUNDING MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2018 · Amount on Record
Deed Sale	Jun 4, 2018 · Amount on Record
Prior Sale	Jul 5, 2006 · Amount on Record
Deed Document Number	2018325326
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	554 SETTING SUN DR, WINTER GARDEN, FL 34787-5933
Document Number	0000521796
Instrument Date	Oct 1, 2020
Transaction Type	Mortgage
Record Updated	Oct 27, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	554 SETTING SUN DR WINTER GARDEN FL 347875933, WINTER GARDEN, FL 34787-5933

Mortgage

Document Number	0000521796
Date	Oct 6, 2020
Instrument	521796

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	216 Months
Due	Oct 5, 2038

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 4, 2018
Property Address	554 SETTING SUN DR, WINTER GARDEN, FL 34787-5933
Document Number	0000325326
Map Reference	MB 59 PG 4-8
Instrument Date	May 29, 2018
Instrument	20180325326
Transaction Type	Transfer
Record Updated	Jan 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,257.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1945 TEMPLE DR, 1945, WINTER PARK, FL 32789-1664

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 SETTING SUN DR, WINTER GARDEN, FL 34787-5933

Mortgage

Document Number	0000325327
Date	Jun 4, 2018
Instrument	20180325327

Lender

Name	FIDELITY FUNDING MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 1, 2043

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Winter Garden City
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$277,460 (+2.7%)	$532,630 (-1.17%) Land $140,000 Building $392,630
2025	$3,741.00 (+5.32%) Homeowner's exemption	$270,166 (+5.99%)	$538,940 (+17.48%) Land $140,000 Building $398,940
2024	$3,552.00 (+3.86%)
2023	$3,420.00 (+3.17%) Homeowner's exemption	$254,905 (+3%)	$458,747 (+13.7%) Land $112,500 Building $346,247
2022	$3,315.00 Homeowner's exemption	$247,481	$403,458 Land $112,500 Building $290,958

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	2 (2017–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, T-Mobile.

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